So you’ve suffered from a loss, have contacted your insurance company, submitted an inventory list, and then out of nowhere receive a request to appear at an examination under oath (EUO). You may be wondering what that is and why you are receiving such a request. At Guardian Public Adjusters, we help our clients get through the insurance claim process, including EUOs. Learn more below about what is actually happening when you receive an EUO request and how to best handle it. If you have questions, feel free to give us a call.
What Is An Examination Under Oath?
An EUO is a legal process through which you (the insured) appear in court for questioning by your insurance company. The goal is for them to get the most information possible about your insurance claim before formally accepting it or denying it. Reasons why insurance companies conduct EUOs stem from preventing fraud to simply intimidating clients before denying their claim. No matter what the reason, though, if you receive a request for an EUO, you must appear.
Common Questions About Examinations Under Oath
- What happens if I don’t go to my EUO?
Most insurance policies have language giving insurance companies the right for further examination. While you technically wouldn’t be breaking the law in not going, your insurance claim will likely be denied.
- Do I have to answer all of the questions during my EUO?
Since your insurance company has the right to conduct an examination as part of your policy, you can’t decline answering questions. They may ask questions that seem irrelevant or confusing, but answer them as honestly and as best as possible. If you don’t, you are at serious risk for having your claim denied.
- Can I hire an attorney for my EUO?
You do have the right to an attorney for your EUO, but they cannot answer on your behalf or object to questions being asked. Their purpose would be primarily to help you prepare.
- How can a public adjuster help with my EUO?
If you’ve already hired a public adjuster to help with the rest of the insurance claim process, they can certainly help with this, as well, since they would be the most knowledgeable about the value of your property and present damages. Similarly to an attorney, they can help you prepare documents, rehearse common questions, and make sure you’re familiar with how the EUO will work.
No matter what type of disaster has damaged your property, Guardian Public Adjusters can help you get back on your feet. We work with your best interest in mind, providing services such as documenting damages, evaluating losses, and even preparing you for your examination under oath, if you should receive one. Call today!